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Joseph Serviss

Joseph Serviss
My name is Joe Serviss. I am a Northerner who fell in love with the South. A resident of North Carolina for 3 years and serving the community as a Business & Finance teacher at Jay M. Robinson High School... READ MOREl

Education is the New Currency – What is Your Legacy? Wasting Time?

My colleague Joe and I have been uttering these exact words in different ways for more than 2 years now. We have been talking about how issues of race, politics, equality, abortion, education, employment, growth, government and so much more can be solved with education. Yes that is right! Even issues with education can be solved with Education. Through education …

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Understanding Credit – What is on a Credit Report and How is the Score Determined?

Your credit report is full of such wonderful information identifying your ability to pay back a debt over a lifetime. Your credit report will include information about you personally such as addresses and employment information. It will also include your social security number, date of birth and should always be checked for errors. It is common to find information entered …

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Understanding Credit – What is a FICO Score and How Does it Work?

FICO scores are the most commonly used scores by lenders in the United States. These scores are used to measure your credit worthiness. It is a number that predicts your likeliness of paying back a debt/loan. FICO scores are calculated based on facts stated in your credit reports at the 3 main credit bureau’s. Those are equifax, transunion and experian. …

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